TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION
SUBCHAPTER s: LEGAL RESERVE LIFE
PART 1412 RECOGNITION OF THE 2001 CSO MORTALITY TABLE FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES AND NONFORFEITURE BENEFITS
SECTION 1412.APPENDIX A 2001 CSO MORTALITY TABLES



Section 1412.APPENDIX A   2001 CSO Mortality Tables

 

Section 1412.ILLUSTRATION D   Female Composite Select & Ultimate Age Nearest Birthday

 

 

 2001 CSO Table – Female – Composite – 1000qx

 

Issue Age

 Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

0

0.48

0.35

0.26

0.20

0.19

0.18

0.18

0.21

0.21

0.21

0.22

0.23

0.27

con't

1

0.35

0.26

0.19

0.19

0.18

0.18

0.20

0.21

0.21

0.21

0.23

0.27

0.28

con't

2

0.26

0.19

0.19

0.18

0.18

0.18

0.21

0.21

0.21

0.21

0.25

0.27

0.32

con't

3

0.19

0.19

0.18

0.18

0.18

0.19

0.21

0.21

0.21

0.24

0.25

0.31

0.34

con't

4

0.19

0.18

0.18

0.18

0.19

0.19

0.21

0.21

0.23

0.25

0.31

0.33

0.37

con't

5

0.18

0.18

0.18

0.19

0.19

0.19

0.21

0.22

0.25

0.29

0.33

0.36

0.38

con't

6

0.18

0.18

0.19

0.19

0.19

0.20

0.22

0.25

0.29

0.33

0.36

0.38

0.40

con't

7

0.18

0.19

0.19

0.19

0.19

0.22

0.24

0.29

0.33

0.36

0.37

0.39

0.42

con't

8

0.19

0.19

0.19

0.19

0.20

0.24

0.27

0.32

0.35

0.37

0.39

0.41

0.43

con't

9

0.19

0.19

0.19

0.20

0.22

0.27

0.32

0.35

0.36

0.38

0.41

0.42

0.44

con't

10

0.19

0.19

0.20

0.22

0.25

0.31

0.34

0.36

0.37

0.40

0.41

0.43

0.46

con't

11

0.19

0.20

0.22

0.25

0.31

0.33

0.35

0.37

0.39

0.41

0.42

0.45

0.47

con't

12

0.20

0.22

0.25

0.31

0.33

0.34

0.36

0.38

0.40

0.41

0.44

0.46

0.49

con't

13

0.22

0.25

0.31

0.33

0.34

0.35

0.37

0.39

0.40

0.43

0.45

0.48

0.51

con't

14

0.25

0.31

0.33

0.34

0.34

0.36

0.38

0.39

0.42

0.43

0.47

0.50

0.53

con't

15

0.31

0.33

0.34

0.34

0.36

0.37

0.38

0.40

0.42

0.45

0.49

0.52

0.56

con't

16

0.33

0.34

0.34

0.35

0.36

0.37

0.39

0.41

0.44

0.47

0.50

0.55

0.59

con't

17

0.34

0.34

0.35

0.35

0.36

0.38

0.40

0.43

0.46

0.49

0.53

0.58

0.62

con't

18

0.33

0.34

0.34

0.35

0.37

0.38

0.41

0.45

0.48

0.52

0.57

0.61

0.66

con't

19

0.33

0.33

0.34

0.36

0.37

0.40

0.43

0.46

0.51

0.55

0.60

0.65

0.71

con't

20

0.31

0.32

0.34

0.35

0.38

0.42

0.45

0.49

0.54

0.58

0.64

0.70

0.76

con't

21

0.29

0.31

0.33

0.36

0.40

0.43

0.48

0.52

0.57

0.62

0.68

0.74

0.80

con't

22

0.28

0.30

0.34

0.38

0.41

0.46

0.51

0.55

0.61

0.67

0.73

0.79

0.85

con't

23

0.26

0.30

0.34

0.38

0.43

0.48

0.53

0.59

0.65

0.71

0.77

0.84

0.91

con't

24

0.26

0.31

0.35

0.40

0.45

0.50

0.56

0.62

0.69

0.75

0.82

0.89

0.96

con't

25

0.25

0.31

0.36

0.42

0.47

0.53

0.60

0.66

0.73

0.79

0.87

0.93

1.00

con't

26

0.26

0.32

0.38

0.43

0.49

0.56

0.63

0.69

0.76

0.84

0.91

0.97

1.06

con't

27

0.28

0.34

0.39

0.45

0.52

0.59

0.65

0.72

0.80

0.87

0.94

1.02

1.10

con't

28

0.30

0.35

0.41

0.48

0.54

0.61

0.68

0.76

0.83

0.90

0.99

1.07

1.17

con't

29

0.31

0.38

0.44

0.50

0.57

0.64

0.71

0.79

0.86

0.95

1.03

1.13

1.24

con't

30

0.34

0.40

0.46

0.53

0.59

0.67

0.74

0.81

0.90

0.99

1.09

1.20

1.33

con't

31

0.37

0.43

0.49

0.55

0.63

0.70

0.77

0.86

0.94

1.05

1.16

1.29

1.44

con't

32

0.39

0.45

0.51

0.59

0.65

0.73

0.82

0.90

1.01

1.13

1.26

1.41

1.57

con't

33

0.41

0.47

0.54

0.61

0.69

0.78

0.87

0.97

1.09

1.23

1.38

1.54

1.73

con't

34

0.42

0.49

0.56

0.64

0.73

0.82

0.93

1.06

1.19

1.34

1.51

1.70

1.92

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

1 of 6


 

 

 2001 CSO Table – Female – Composite – 1000qx

 

Issue Age

 Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

0

0.30

0.33

0.35

0.39

0.41

0.43

0.46

0.47

0.48

0.50

0.50

0.52

0.54

25

1

0.32

0.35

0.38

0.40

0.42

0.45

0.47

0.48

0.50

0.50

0.52

0.54

0.56

26

2

0.34

0.37

0.40

0.42

0.45

0.46

0.48

0.50

0.50

0.52

0.54

0.56

0.60

27

3

0.37

0.39

0.41

0.44

0.46

0.47

0.49

0.50

0.52

0.54

0.56

0.60

0.63

28

4

0.39

0.41

0.43

0.45

0.47

0.49

0.50

0.52

0.54

0.56

0.60

0.63

0.66

29

5

0.40

0.43

0.45

0.46

0.49

0.50

0.52

0.54

0.56

0.60

0.63

0.66

0.68

30

6

0.42

0.44

0.46

0.48

0.50

0.52

0.54

0.56

0.60

0.63

0.66

0.68

0.73

31

7

0.43

0.45

0.48

0.49

0.52

0.54

0.56

0.60

0.63

0.66

0.68

0.73

0.77

32

8

0.44

0.47

0.49

0.51

0.54

0.56

0.60

0.63

0.66

0.68

0.73

0.77

0.82

33

9

0.46

0.48

0.51

0.54

0.56

0.59

0.63

0.66

0.68

0.73

0.77

0.82

0.88

34

10

0.47

0.50

0.53

0.55

0.59

0.63

0.66

0.68

0.73

0.77

0.82

0.88

0.97

35

11

0.49

0.53

0.55

0.58

0.62

0.66

0.68

0.73

0.77

0.82

0.88

0.97

1.03

36

12

0.52

0.54

0.58

0.62

0.65

0.68

0.73

0.77

0.82

0.88

0.97

1.03

1.11

37

13

0.54

0.57

0.62

0.65

0.68

0.73

0.77

0.82

0.88

0.97

1.03

1.10

1.17

38

14

0.57

0.61

0.65

0.68

0.73

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

39

15

0.60

0.64

0.68

0.73

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

1.30

40

16

0.63

0.68

0.73

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

1.30

1.38

41

17

0.67

0.73

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

1.30

1.38

1.48

42

18

0.72

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

1.30

1.38

1.48

1.59

43

19

0.77

0.82

0.88

0.97

1.03

1.09

1.16

1.23

1.30

1.38

1.48

1.59

1.72

44

20

0.82

0.88

0.96

1.02

1.09

1.16

1.23

1.30

1.38

1.48

1.59

1.72

1.87

45

21

0.87

0.94

1.01

1.07

1.15

1.22

1.30

1.38

1.48

1.59

1.72

1.87

2.05

46

22

0.93

0.99

1.06

1.14

1.21

1.29

1.38

1.48

1.59

1.72

1.87

2.05

2.27

47

23

0.98

1.04

1.12

1.19

1.28

1.38

1.48

1.59

1.72

1.87

2.05

2.27

2.50

48

24

1.02

1.10

1.18

1.26

1.36

1.47

1.59

1.72

1.87

2.05

2.27

2.50

2.78

49

25

1.08

1.15

1.25

1.34

1.45

1.58

1.72

1.87

2.05

2.27

2.50

2.78

3.08

50

26

1.13

1.22

1.32

1.44

1.56

1.71

1.87

2.05

2.27

2.50

2.78

3.08

3.41

51

27

1.20

1.30

1.42

1.55

1.69

1.86

2.05

2.27

2.50

2.78

3.08

3.41

3.79

52

28

1.27

1.39

1.53

1.67

1.84

2.04

2.26

2.50

2.78

3.08

3.41

3.79

4.20

53

29

1.36

1.50

1.65

1.83

2.03

2.25

2.49

2.78

3.08

3.41

3.79

4.20

4.63

54

30

1.47

1.63

1.80

2.01

2.24

2.48

2.77

3.08

3.41

3.79

4.20

4.63

5.10

55

31

1.60

1.78

1.99

2.22

2.47

2.76

3.07

3.41

3.79

4.20

4.63

5.10

5.63

56

32

1.75

1.97

2.20

2.45

2.74

3.05

3.39

3.77

4.19

4.63

5.10

5.63

6.19

57

33

1.94

2.18

2.43

2.72

3.03

3.37

3.75

4.17

4.61

5.10

5.62

6.19

6.80

58

34

2.15

2.40

2.70

3.01

3.35

3.73

4.14

4.59

5.07

5.60

6.15

6.76

7.39

59

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

2 of 6


 

 

 2001 CSO Table – Female – Composite – 1000qx

 

Issue Age

 Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

35

0.44

0.51

0.58

0.68

0.77

0.89

1.02

1.16

1.31

1.48

1.67

1.89

2.13

con't

36

0.45

0.53

0.62

0.72

0.83

0.96

1.11

1.27

1.44

1.63

1.85

2.09

2.35

con't

37

0.47

0.56

0.65

0.77

0.90

1.05

1.21

1.39

1.58

1.81

2.05

2.31

2.59

con't

38

0.50

0.59

0.70

0.83

0.98

1.14

1.32

1.52

1.75

1.99

2.25

2.54

2.87

con't

39

0.53

0.64

0.76

0.91

1.07

1.25

1.45

1.68

1.91

2.19

2.48

2.81

3.15

con't

40

0.58

0.70

0.84

1.00

1.17

1.37

1.60

1.84

2.11

2.40

2.73

3.08

3.47

con't

41

0.64

0.77

0.93

1.10

1.29

1.52

1.75

2.02

2.32

2.65

3.00

3.39

3.81

con't

42

0.70

0.86

1.03

1.22

1.44

1.67

1.94

2.23

2.56

2.91

3.29

3.72

4.17

con't

43

0.78

0.95

1.14

1.36

1.60

1.86

2.15

2.48

2.82

3.20

3.62

4.07

4.57

con't

44

0.86

1.05

1.28

1.52

1.78

2.07

2.38

2.73

3.11

3.52

3.97

4.46

4.99

con't

45

0.95

1.18

1.42

1.69

1.98

2.30

2.64

3.02

3.43

3.87

4.35

4.87

5.46

con't

46

1.04

1.30

1.58

1.87

2.19

2.54

2.92

3.32

3.76

4.23

4.75

5.33

5.94

con't

47

1.16

1.44

1.74

2.06

2.42

2.79

3.19

3.63

4.10

4.62

5.17

5.79

6.45

con't

48

1.28

1.59

1.91

2.27

2.63

3.04

3.48

3.95

4.46

5.01

5.62

6.27

7.00

con't

49

1.35

1.68

2.08

2.46

2.86

3.29

3.76

4.26

4.81

5.41

6.06

6.77

7.55

con't

50

1.43

1.85

2.26

2.65

3.07

3.53

4.03

4.57

5.16

5.81

6.51

7.29

8.14

con't

51

1.51

2.05

2.45

2.84

3.29

3.77

4.30

4.87

5.52

6.21

6.98

7.83

8.76

con't

52

1.60

2.26

2.64

3.04

3.49

4.00

4.55

5.17

5.87

6.63

7.46

8.39

9.40

con't

53

1.69

2.42

2.84

3.24

3.70

4.23

4.82

5.48

6.22

7.06

7.97

8.99

10.12

con't

54

1.79

2.59

3.05

3.45

3.92

4.48

5.11

5.82

6.62

7.52

8.53

9.65

10.90

con't

55

1.89

2.77

3.28

3.68

4.18

4.76

5.43

6.18

7.05

8.04

9.15

10.39

11.77

con't

56

2.06

2.95

3.52

3.95

4.46

5.07

5.79

6.61

7.56

8.63

9.85

11.22

12.75

con't

57

2.17

3.14

3.78

4.23

4.79

5.44

6.21

7.11

8.14

9.31

10.64

12.17

13.87

con't

58

2.25

3.35

4.05

4.54

5.15

5.87

6.70

7.69

8.81

10.11

11.57

13.24

15.12

con't

59

2.40

3.54

4.34

4.88

5.53

6.33

7.25

8.34

9.58

11.01

12.63

14.48

16.56

con't

60

2.52

3.73

4.63

5.21

5.94

6.82

7.86

9.06

10.44

12.03

13.84

15.88

18.20

con't

61

2.64

3.92

4.91

5.55

6.35

7.34

8.49

9.83

11.39

13.16

15.19

17.48

20.06

con't

62

2.81

4.12

5.20

5.88

6.77

7.86

9.15

10.66

12.41

14.42

16.69

19.27

22.17

con't

63

3.07

4.34

5.47

6.21

7.17

8.38

9.83

11.54

13.51

15.79

18.36

21.26

24.53

con't

64

3.37

5.26

5.77

6.55

7.60

8.94

10.56

12.49

14.72

17.28

20.20

23.49

27.16

con't

65

3.72

5.56

6.07

6.90

8.05

9.53

11.35

13.52

16.04

18.95

22.25

25.95

30.07

con't

66

3.90

5.92

6.42

7.30

8.56

10.20

12.24

14.68

17.53

20.80

24.52

28.69

33.33

con't

67

4.05

6.29

6.81

7.77

9.16

11.00

13.28

16.02

19.22

22.90

27.08

31.75

36.95

con't

68

4.46

6.71

7.28

8.34

9.88

11.94

14.50

17.57

21.17

25.30

29.97

35.19

41.00

con't

69

4.92

7.16

7.81

9.01

10.76

13.06

15.93

19.38

23.40

28.01

33.22

39.05

45.50

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

3 of 6


 

 

 2001 CSO Table – Female – Composite – 1000qx

 

Issue Age

 Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

35

2.38

2.67

2.99

3.33

3.71

4.12

4.56

5.05

5.57

6.12

6.72

7.35

8.01

60

36

2.63

2.96

3.30

3.68

4.09

4.53

5.01

5.53

6.09

6.67

7.30

7.97

8.68

61

37

2.92

3.26

3.64

4.05

4.49

4.98

5.50

6.05

6.64

7.27

7.94

8.65

9.39

62

38

3.21

3.59

4.01

4.45

4.94

5.46

6.01

6.60

7.23

7.91

8.62

9.36

10.14

63

39

3.54

3.95

4.40

4.89

5.41

5.97

6.56

7.20

7.88

8.59

9.34

10.13

10.96

64

40

3.89

4.34

4.83

5.36

5.92

6.51

7.16

7.84

8.57

9.32

10.12

10.96

11.85

65

41

4.26

4.76

5.29

5.86

6.46

7.11

7.81

8.54

9.31

10.12

10.96

11.85

12.82

66

42

4.67

5.21

5.78

6.39

7.05

7.76

8.50

9.29

10.12

10.96

11.85

12.82

13.89

67

43

5.11

5.69

6.31

6.98

7.70

8.46

9.26

10.10

10.96

11.85

12.82

13.89

15.07

68

44

5.58

6.20

6.88

7.61

8.39

9.21

10.08

10.96

11.85

12.82

13.89

15.07

16.36

69

45

6.08

6.75

7.49

8.29

9.13

10.02

10.96

11.85

12.82

13.89

15.07

16.36

17.81

70

46

6.61

7.35

8.14

8.99

9.91

10.90

11.85

12.82

13.89

15.07

16.36

17.81

19.47

71

47

7.18

7.97

8.82

9.75

10.75

11.83

12.82

13.89

15.07

16.36

17.81

19.47

21.30

72

48

7.78

8.63

9.56

10.56

11.65

12.82

13.89

15.07

16.36

17.81

19.47

21.30

23.30

73

49

8.41

9.34

10.35

11.44

12.63

13.89

15.07

16.36

17.81

19.47

21.30

23.30

25.50

74

50

9.07

10.09

11.19

12.40

13.71

15.07

16.36

17.81

19.47

21.30

23.30

25.50

27.90

75

51

9.78

10.89

12.11

13.44

14.90

16.36

17.81

19.47

21.30

23.30

25.50

27.90

30.53

76

52

10.53

11.76

13.11

14.60

16.22

17.81

19.47

21.30

23.30

25.50

27.90

30.53

33.41

77

53

11.35

12.72

14.22

15.87

17.69

19.47

21.30

23.30

25.50

27.90

30.53

33.41

36.58

78

54

12.28

13.80

15.47

17.31

19.34

21.30

23.30

25.50

27.90

30.53

33.41

36.58

40.05

79

55

13.30

15.01

16.89

18.94

21.21

23.30

25.50

27.90

30.53

33.41

36.58

40.05

43.86

80

56

14.47

16.38

18.48

20.79

23.30

25.50

27.90

30.53

33.41

36.58

40.05

43.86

49.11

81

57

15.78

17.91

20.27

22.86

25.50

27.90

30.53

33.41

36.58

40.05

43.85

48.02

54.95

82

58

17.25

19.62

22.26

25.17

27.89

30.52

33.40

36.57

40.04

43.84

48.01

52.60

60.81

83

59

18.91

21.55

24.48

27.74

30.52

33.40

36.56

40.03

43.83

48.00

52.58

57.61

67.27

84

60

20.81

23.73

26.99

30.51

33.39

36.56

40.02

43.82

47.99

52.57

57.59

63.10

74.45

85

61

22.96

26.21

29.83

33.38

36.55

40.01

43.81

47.97

52.55

57.56

63.07

69.13

80.99

86

62

25.41

29.03

33.05

36.54

40.00

43.79

47.95

52.53

57.54

63.04

69.10

75.74

90.79

87

63

28.17

32.21

36.53

39.99

43.78

47.94

52.51

57.51

63.01

69.05

75.69

82.99

101.07

88

64

31.24

35.76

39.97

43.76

47.91

52.48

57.48

62.97

69.01

75.63

82.91

90.93

112.02

89

65

34.66

39.71

43.74

47.89

52.45

57.45

62.93

68.96

75.56

82.83

90.82

99.62

121.92

90

66

38.47

43.73

47.87

52.43

57.42

62.89

68.91

75.51

82.76

90.74

99.51

109.15

126.85

91

67

42.68

47.86

52.42

57.41

62.88

68.89

75.48

82.73

90.70

99.46

109.08

119.70

136.88

92

68

47.38

52.41

57.40

62.87

68.88

75.47

82.71

90.67

99.42

109.04

119.64

131.32

151.64

93

69

52.40

57.39

62.85

68.87

75.45

82.69

90.64

99.38

108.99

119.57

131.23

144.10

170.31

94

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

con't

4 of 6


 

 

 2001 CSO Table – Female – Composite – 1000qx

5 of 6

Issue Age

 Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

70

5.42

7.67

8.44

9.81

11.80

14.40

17.62

21.48

25.98

31.11

36.91

43.36

50.49

con't

71

6.02

8.23

9.17

10.76

13.04

15.98

19.61

23.91

28.92

34.63

41.04

48.17

56.01

con't

72

8.20

8.85

10.02

11.89

14.50

17.83

21.91

26.72

32.28

38.59

45.67

53.51

62.10

con't

73

8.82

9.58

11.01

13.22

16.21

20.00

24.56

29.92

36.08

43.05

50.83

59.41

68.77

con't

74

9.51

10.45

12.21

14.81

18.24

22.51

27.61

33.57

40.37

48.03

56.55

65.93

75.32

con't

75

10.26

11.52

13.66

16.69

20.59

25.40

31.09

37.68

45.17

53.57

62.88

73.10

82.53

con't

76

11.21